What Do I Need to Know About Flu Vaccines?
There's never been a more important time to get your flu shot. You can learn about it here. You might also want to know the symptoms of the flu versus COVID-19.
According to the Centers for Disease Control and Prevention, during 2019 and 2020, the flu vaccine prevented 7.5 million influenza illnesses. It’s one of the most effective ways to prevent the flu and keep you and your family safe.
The CDC recommends that anyone over the age of six months should get a flu shot.
Some people have a higher risk for developing flu-related complications. If you have chronic conditions – such as asthma, heart disease, diabetes or chronic kidney disease – you should make getting the flu shot a high priority. The same is true for people who are 65 and older.
Early fall is the best time to get your flu shot. Getting vaccinated early is important, because the flu is highly contagious and spreads rapidly.
Getting the shot before the flu season is in full force gives the body a chance to protect itself. It takes about two weeks to be effective, so don't wait. Peak months for the flu season in Michigan are November through April.
If you have an HMO plan, your annual flu shot is free.
If you have a PPO plan, for most members, immunizations are covered at 100% in-network as part of the Affordable Care Act’s list of preventive benefits. If you get a vaccine from an out-of-network provider, you may pay out-of-pocket expenses up to the full cost of the vaccine.
Employer plans that aren’t subject to the Affordable Care Act’s requirements don’t have to cover the cost of vaccines. They may choose to cover the cost anyway.
Confirm your immunization benefits on your Blue Cross Blue Shield of Michigan or Blue Care Network policy by logging into your online account at bcbsm.com and searching for immunizations within your plan's benefits. If you still need help, call our customer service department using the number on the back of your member ID card.
If you’re required to pay for your flu shot, you may be reimbursed. For example, you may need to pay if you don’t have your Blue Cross or BCN member ID card on you when you get your flu shot.
PPO members
Once you know whether you're covered, you can get vaccinated by:
If you don't have prescription coverage through us, your vaccine may still be covered. You can use your medical coverage and go to an immunizing pharmacy.
To find an immunizing pharmacy in your area:
1. Go to Find Care
2. Scroll to Find a Doctor and log in to your account
3. Select Doctors & Hospitals
4. Select Find a Doctor under Find in-network care
5. Select Places by Type
6. Type in Immunization Pharmacy and select the search icon
HMO members
Blue Care Network HMO members can get free vaccinations two ways:
The Centers for Disease Control and Prevention has issued guidance stating that flu shots and COVID-19 vaccines can be given at the same time. Even though both vaccines can be given during the same visit, you should follow the recommended schedule for each vaccine.